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Net worth update per


This is _o_'s #129 net worth update. Please check out my profile here for more information. As of , my net worth increased to GBP 183,653 and my FI portfolio increased to GBP 114,945


Net worth

GBP 183,653

Since the last update on my net worth has increased with GBP 9,703 (+ 5.58 %).

FI portfolio

GBP 114,945

Since the last update on my FI portfolio has increased with GBP 6,508 (+ 6.0 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in GBP.
Change
Cash 34,930 +1,473 36,403
Investments 4,672 +322 4,994
Retirement acc 68,835 +4,713 73,548
Real estate 137,000 + 2,000 139,000
Other assets 0 0 0
Total assets 245,437 +8,508 253,945

Mortgage 66,726 -1,557 65,169
Other debt 4,761 + 362 5,123
Total debt 71,487 + -1,195 70,292
Change
Cash 26,323 +10,080 36,403
Investments 16,410 -11,416 4,994
Retirement acc 45,981 +27,567 73,548
Real estate 139,000 0 139,000
Other assets 0 0 0
Total assets 227,714 +26,231 253,945

Mortgage 71,726 -6,557 65,169
Other debt 14,695 -9,572 5,123
Total debt 86,421 -16,129 70,292
Change
Cash 83 +36,320 36,403
Investments 0 +4,994 4,994
Retirement acc 0 +73,548 73,548
Real estate 0 + 139,000 139,000
Other assets 0 0 0
Total assets 83 +253,862 253,945

Mortgage 0 65,169 65,169
Other debt 0 + 5,123 5,123
Total debt 0 + 70,292 70,292

I am now 9.1% on my way to achive my FIRE target of GBP 1,260,000. This is 0.5 percentage points closer, compared to the last net worth update.

GBP 114,945 FIRE target: GBP 1,260,000


9.1%

FI portfolio

My FI portfolio now consists of GBP 4,994 (4.3%) in investments, GBP 73,548 (64.0%) in retirement accounts, and GBP 36,403 (31.7%) in cash.

Investments

Since my last update, my investments increased with GBP 322 (6.89%).

Retirement accounts

Since my last update, my retirement accounts increased with GBP 4,713 (6.85%).




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be GBP 383 for the rest of my life.


Monthly SWR amount
Retire today with (GBP)
383/month
(4.0% SWR)
335/month
(3.5% SWR)
287/month
(3.0% SWR)


When can I retire?

FI date

My age

43

I am currently aiming to save/invest approximately GBP 2,600 each month.

Assuming an annual return of 7% on my investments and my retirement accounts, I aim to reach my FIRE target of GBP 1,260,000 in 15 years and 10 months, in , and at that time I will be 43 years old.

By that time I will have invested/saved another GBP 514,800, while the rest will be return on my existing FI portfolio and the new investments, in total GBP 630,255


Financial independence forecast